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Investment Planning for Private Clients

Investment Planning

Clients come to us seeking advice around planning for the future and growing their money. Financial investment planning is a long-term strategy and should normally be considered with a timeline of at least 5 years.

When it comes to complicated decisions, we need professional advice. We all know that we should save and invest for the future, but how much and where? What will it achieve for me?

Very few people have the broad oversight of the range of investments and opportunities to guide their financial decisions. In the same way we go to a doctor for health issues, we need the help of a financial professional. In particular, a financial professional who is independent and can advise on the whole of the market.

How Can Henson Crisp Help?

At Henson Crisp we plan with our clients along independent paths. You might want to talk to us if you:

  • Want to ensure you can retire comfortably
  • Have inherited some money
  • Are looking to make your money work tax-efficiently
  • Want a professional to oversee your investments
  • Want to control and maximise the amount of money that is passed on to your loved ones

Once you have told us your goals and what you want to achieve, we start to formulate a plan to get you there. It takes time and requires effort from both sides. As we are providing an investment strategy tailored to you, it cannot be something “off the shelf”. With our range of expertise and experience of the financial market, we will work out the solution that is right for your needs.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

Investment Strategy

There are essentially 3 approaches available with regards to controlling your investments as detailed below.

  1. Self-investment in product provider’s own funds or any external fund links they have established. 
    This gives you access to a variety of funds and there are no ongoing adviser charges. However, this relies on the investor making investment decisions. It is possible to lose track of the assets held and the risk profile of the funds.
  2. Use of a financial adviser or investment manager on an advisory basis using either their own model investment portfolios or the product provider’s funds.
    This will give you access to the skills and resources of an investment professional. You remain in control of ultimate investment decisions. The annual management charges on the funds in a model investment portfolio may be more competitive. However, if the investor fails to respond to a recommended change of underlying asset, the portfolio may underperform or the risk profile may become out-of-line. Overall costs are likely to be higher than approach 1, due to the addition of the adviser charge and platform charges.
  3. Use of an investment manager on a discretionary investment management basis.
    This approach uses the skills and resources of a professional investment manager that is proactively acting directly on your behalf. The adviser charge should be lower because the investment manager undertakes the investment decisions and associated administration. Investment decisions can be transacted without any delay because prior approval is not required. However, the investor will not be contacted in advance of any proposed sale or purchase so you lose immediate control of those investment decisions. Overall costs may be higher than approaches 1 or 2.

At Henson Crisp, we will work with you to find a suitable investment approach that fits you and help you to build a portfolio of funds to meet your goals and objective. This could be a combination of all of the above, or on solely an advisory/discretionary basis.

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